What do you think of PRULink Asian Income Fund? If invest 100K, payout per year is around 2K+?

Hi, the underlying fund is the Eastspring Investments - Asian Equity Income Fund. You can actually buy this fund directly on brokerage platforms like POEMS where your full investment amount will be deployed. (I.e. no bid offer spread). Hence you won't have to pay the Initial Investment Charge of 5%. The payout to you will still be the same.

If you are looking for income, I recommend diversifying your money across a few funds (if you are looking at funds only). If not, do consider deploying over various asset classes that are both guaranteed and variable.

Based on your question, you seen to be keen to invest for dividend using unit trust.
This fund is also available at POEMS and the name as Eastspring Investments - Asian Equity Income Fund. It paid dividend monthly and the annual dividend is around 4.75%

you can get invest in this fund yourself is you have a POEMS account with Phillip Securities.

There are no sales charges, switching fee and platform fee on POEMS

By doing that you immediately save a lot of cost on your investment and your dividend payout will sure be higher.

However, do take note that this fund invest 100% in Asia Equity which means that the volatility is not low. You may suffer double digit loss in capital when there is a market downturn despite you still getting the dividend.

if you plan to invest 100k for dividend income in unit trust, i would suggest you created a diversified unit trust portfolio, spread across 5 to 8 funds to bring down the portfolio volatility and at the same time achieved a dividend yield of 4% to 5% per year.

A typical dividend UT portfolio can comprise of

1) Asian Equity fund - for capital appreciation and dividend

2) Asian Balanced fund - for dividend

3) Asian High Yield bond fund - for dividend

4) Global balanced or bond fund - for dividend

5) Short Duration bond fund - for tactical allocation when there is opportunities

This allocation would easily bring down your volatility of your portfolio by half and getting about the same amount of dividend when compare to just putting 100k into an equity income fund

Hope that help.